12209 Emerald Way, Germantown, MD 20876 Property Records

Montgomery County property record for 12209 Emerald Way, Germantown, MD 20876

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,375 sqft · built 1998
Lot Size	0.163 acres (7,106 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Sep 2005)
Tax Bill	$7,398 (2025)
Deeds & Mortgages	Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-03156723`

Property Details

APN / Parcel Number

Primary APN	`02-03156723`
Alternative APNs	`0203156723 02` `03156723`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,375 sqft Living Area
Gross Area	3,775 sqft
1st Floor Area	1,488 sqft
Basement Area	450 sqft
Finished Basement	450 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,106 sqft (0.163 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	03156723
Street Address	12209 EMERALD WAY
City	GERMANTOWN
State	MD
Zip	20876-6964
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R200
Legal Description	MILESTONE
Legal Subdivision	MILESTONE
Legal Block	X
Legal Lot Number	72
Jurisdiction	MONTGOMERY MD
Township / Civil Division	2
Census Block Group	2
Census Block	2013
Census Tract	700314

Owner

Source: Montgomery County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12209 EMERALD WAY, GERMANTOWN, MD 20876-6964
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2005 · Amount on Record
Deed Sale	Sep 7, 2005 · Amount on Record
Prior Sale	Sep 7, 2005 · Amount on Record
Deed Document Number	200527605
Deed Book / Page	30711 / 637
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MD
Property Address	12209 EMERALD WAY, GERMANTOWN, MD 20876-6964
Document Number	0549030090
Instrument Date	Jul 10, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	HOMELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12209 EMERALD WAY GERMANTOWN MD 208766964, GERMANTOWN, MD 20876-6964

Mortgage

Document Number	0549030090
Date	Sep 19, 2017
Book Page	054903/000090

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2047

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Montgomery County
Unified School District	Montgomery County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$646,233 (+8.38%)	$696,200 (-) Land $151,000 Building $545,200
2025	$7,398.00 (+32.58%)	$596,267 (+17.48%)	$696,200 (+27.44%) Land $151,000 Building $545,200
2023		$507,533	$546,300 Land $151,000 Building $395,300
2022	$5,580.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WASHINGTON SUBURBAN SANITARY COMMISSION serves 1,900,000 people · EPA ID MD0150005
Water Source	Surface water
Last State Inspection	May 2025
Lead	Under 1 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20